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Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
Fidelity bond coverage is below the ERISA section 412 10%-of-assets minimum (capped at $500,000).
Plan appears closed to new enrollment or frozen - balance-holders far exceed active participants, or the plan reports active distributions with no inflows. Exclude from peer benchmarks.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $39,838 | $49,280-19.2% | $67,313-40.8% | $64,173-37.9% |
| Participation rate | 81.4% | 60.8%+20.6pp | 69.1%+12.3pp | 69.6%+11.8pp |
| Annual return | -10.11% | -1.39%-8.7pp | -4.08%-6.0pp | 7.63%-17.7pp |
| Employer contribution / active EE | $0 | $1,668-100.0% | $2,566-100.0% | $2,381-100.0% |
| Participant deferral / active EE | $0 | $2,484-100.0% | $3,568-100.0% | $3,470-100.0% |
| Admin fee / account holder | $415 | $3,863-89.3% | $4,507-90.8% | $4,887-91.5% |